We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 120614 results
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Decision Reference DRN-3707953
27 Sep 2022 The Governor and Company of the Bank of Ireland UpheldMortgagesDRN-3707953 The complaint Mr and Mrs B complain that The Governor and Company of the Bank of Ireland (“BoI”) has unfairly charged them higher interest rates on their mortgage since 2015. What happened 2008 Mr and Mrs B took out a mortgage with Bristol & West Mortgages (a trading name o... (6 pages)View decision -
Decision Reference DRN-3721761
27 Sep 2022 Bank of Scotland Plc UpheldMortgagesDRN-3721761 The complaint Mr H complains that Bank of Scotland plc trading as Birmingham Midshires refused to accept a reduced amount in settlement of his buy to let mortgage and secured personal loan and didn’t send him a redemption statement. What happened Mr H has a buy to let mortgage ... (2 pages)View decision -
Decision Reference DRN-3493569
27 Sep 2022 Halifax Share Dealing Limited UpheldInvestmentsDRN-3493569 The complaint Mr S complains that Halifax Share Dealing Limited (“HSDL”) took too long to transfer shares into his account. He lost out on the opportunity to save capital gains tax on the sale of his shares. He wants compensation for his loss, and for the distress and inconveni... (3 pages)View decision -
Decision Reference DRN-3686248
27 Sep 2022 National Westminster Bank Plc UpheldMortgagesDRN-3686248 The complaint Mr and Mrs L are unhappy with how they’ve been treated by National Westminster Bank Plc (NatWest) after they applied for a re-mortgage. What happened Mr and Mrs L applied for a re-mortgage with NatWest in November 2021. The rate on their existing mortgage (with a ... (4 pages)View decision -
Decision Reference DRN-3539669
26 Sep 2022 Accredited Insurance (Europe) Ltd UpheldInsuranceDRN-3539669 The complaint Mrs M complains that Accredited Insurance (Europe) Ltd declined her claim and subsequently voided her home insurance policy for misrepresentation. What happened Mrs M had home insurance with Accredited. In April 2021, she made a claim when a water tank burst and f... (3 pages)View decision -
Decision Reference DRN-3706359
26 Sep 2022 Barclays Bank UK PLC UpheldBanking and PaymentsDRN-3706359 The complaint Miss W says Barclays Bank UK PLC (‘Barclays’) has unfairly declined her claim under section 75 of the Consumer Credit Act 1974 (‘CCA’). What happened In January 2018, Miss W paid £4,005 to a dental practice I’ll call A. She told us she purchased ‘clear aligner’ t... (6 pages)View decision -
Decision Reference DRN-3616015
26 Sep 2022 Monzo Bank Ltd UpheldBanking and PaymentsDRN-3616015 The complaint Miss R is unhappy that Monzo Bank Ltd won’t refund the money she lost after she fell victim to a scam. What happened The background to this complaint is well-known to both parties, so I won’t repeat it all here, But briefly, and based on the submissions from both ... (3 pages)View decision -
Decision Reference DRN-3721254
26 Sep 2022 Bank of Scotland Plc UpheldBanking and PaymentsDRN-3721254 Complaint Mr R is unhappy that Bank of Scotland plc (trading as Halifax) won’t refund him in full after he fell victim to a scam. Background The background of this complaint is well known to both parties. I don’t intend to set it out in full here, but I will briefly summarise t... (4 pages)View decision -
Decision Reference DRN-3628216
26 Sep 2022 ReAssure Limited UpheldPensions and AnnuitiesDRN-3628216 The complaint Mr G complains that ReAssure Limited caused unnecessary delays when processing an application to take his retirement benefits. What happened Mr G had a personal pension plan with ReAssure with a preferred retirement date of 28 January 2021. On 3 December 2020 ReAs... (2 pages)View decision -
Decision Reference DRN-3567889
26 Sep 2022 The National Farmers' Union Mutual Insurance Society Limited UpheldInsuranceDRN-3567889 The complaint Mr M and Mrs M complain about The National Farmers' Union Mutual Insurance Society Limited (NFU) handling of a claim they made under their buildings insurance. Any references to NFU also include its agents. What happened In August 2020, the basement of Mr M a... (3 pages)View decision
